Refund & Returns Policy

---

Overview

The following Payment & Refund Policy (“Policy”) applies to all users and describes how your payments are made to Xavat. (Xavat Pay, “we”, “us” or “our”) in connection with our website, www.xavat.net, (“Xavat Pay”), the Xavat Pay software (“Application”), and other products and services provided on the Xavat Pay Site (all of the foregoing, collectively, “Services”).

By using the Services, you are accepting the terms, conditions and policies described in this Policy, as may be amended from time to time. Each time you use the Services and/or pay for a Service on the Xavat Pay Site, or our Applications, you agree and expressly consent to the following.

1. Sharing Information

---

We may, if required, share the details of your payment and your Personally Identifiable Data, as defined in our Privacy Policy with third parties, in order to prevent a financial loss to you or us, or to prevent a violation of law.

2. Payments

---

If you are under the age of 18 you need your parent or guardian to be involved in order to make any payments to Xavat Pay.

All payments made by you to Xavat Pay are subject to Xavat Pay Terms of Service.

Credit. You can purchase credits (“Credit”) using any payment method made available to you by Xavat Pay. You agree that you are not relying on the future availability of any feature or product offered through the Service in agreeing to or making payments hereunder.

Wallet Balance. Wallet Balance is the amount of money that remains at your Xavat Pay account after you used the Services at Xavat Pay. When you intend to use the Service, you must ensure that your wallet balance is enough. The amount of such prepayments is at your sole discretion. The Service will be made available to you after the payment is received by any payment channel provided on Xavat Pay.

Recurring Charges. If you purchase a service from Xavat Pay on a subscription basis, you agree that this type of Service requires a recurring payment and all payments shall be made by the payment method and payment intervals selected by you at the time you initiate the purchase, until you terminate the subscription.

Third Party Payment Processors. We use the services of third parties to process your payments and we require that these third parties take the appropriate organizational and technical measures to protect your personal data and traffic data and to comply with relevant laws. Please review the terms of use and privacy policies of those third parties before providing your banking or payment information.

Payment Through Third Party Services. When you make a purchase within the Application, or the Xavat Pay Site, through third parties, your purchase is also subject to the terms of such third party (including with respect to payment terms, refunds, etc.), and you should read such applicable terms before you decide to complete the purchase. You agree to abide by any relevant terms of service or other legal agreement that governs your use of a given payment processing service and/or method. You also acknowledge that a bank or credit card company may refuse or cancel a transaction and freeze funds up to 14 business days as per the bank/credit card company policy. You also agree to the sharing of information between us and such third-party payment processor for billing related activity.

Fees and Taxes. You are solely responsible for all carrier data plans, Internet fees, and other fees and taxes associated with your access to and use of Xavat Pay Services.

Xavat Pay may refuse or cancel a transaction at any time in our sole discretion, if we believe it violates Xavat Pay Terms of Service or this Payment & Refund Policy or to prevent financial loss. In cases of fraud or illegal acts, Xavat Pay may cancel or block your Wallet Balance.

3. Refund

---

Except as provided by law, all purchases are final and non-refundable. Taxes are non-refundable. If you believe that Xavat Pay has charged you in error, you must contact Xavat Pay Support within 14 days of such charge. No refunds will be given for any transaction which is more than 14 days old. When you purchase any digital content or services from Xavat Pay, any right you may have to withdraw from or cancel the purchase will be terminated once the digital content is delivered to you upon your request, and you will not be entitled to claim any refund, except where you believe Xavat Pay has charged you in error. If you use third party services to purchase any of our Services, such purchase is subject to the refund terms of the applicable third party (including with respect to payment terms, refunds, etc.).

Xavat Pay reserves the right to refuse a refund request if it reasonably believes or suspects (i) that you are trying to unfairly exploit this refund policy, for example, by making repetitive refund requests in respect of the same product or feature, or by trying to receive a refund for a non-refundable credit (such as a reward); (ii) that you are in breach of the terms of Policy, Xavat Pay Terms of Service, or the Privacy Policy; (iii) that you are using any of our products fraudulently or that your user account is being used by a third party fraudulently; or (iv) that you purchased your credit through a third party service and the terms of such third party do not allow such refund. This refund policy does not affect any of your statutory rights to pursue a claim.

For all refunds due to an error in your payment amount please email hello@xavat.net quoting your wallet number, full name, contact number, transaction ID, and reason for requesting a refund. The accounts department will deal with your query at the earliest possible opportunity and may ask for some additional details to process your refund.

4. Legal

---

The general legal terms appearing in the Xavat Pay Terms of Service, and Privacy Policy of Xavat Pay also apply to this Policy.

In the event you read this Policy in any language other than English, you agree that in the event of any discrepancies, the English version shall prevail.

5. General

---

If you have any questions regarding our Payment & Refund Policy, please contact Xavat Pay via our contact page on our website or by sending an email to hello@xavat.net.